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Banking Essentials - Part I

This pathway will walk us through the basics of banks, starting with some of the different types and their main functions, then starting to look at the regulation faced by the banks, both before and after the Global Financial Crisis.

Greenwashing

Greenwashing is the act of distributing false information about something being more environmentally friendly than it actually is.

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Tackling the Cost of Living Crisis

In this video, Max discusses the cost-of-living crisis currently enveloping the UK. He examines its impact on households as well as the overall economy.

CSR and Sustainability in Financial Services

In the first video of this two-part video series, Elisa introduces us to sustainability. She begins by looking at the difference between sustainability and corporate social responsibility, two terms that can be easily confused.

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Banking Essentials - Part I

This pathway will walk us through the basics of banks, starting with some of the different types and their main functions, then starting to look at the regulation faced by the banks, both before and after the Global Financial Crisis.

Greenwashing

Greenwashing is the act of distributing false information about something being more environmentally friendly than it actually is.

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More featured content

Tackling the Cost of Living Crisis

In this video, Max discusses the cost-of-living crisis currently enveloping the UK. He examines its impact on households as well as the overall economy.

CSR and Sustainability in Financial Services

In the first video of this two-part video series, Elisa introduces us to sustainability. She begins by looking at the difference between sustainability and corporate social responsibility, two terms that can be easily confused.

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Design Considerations for a Retail CBDC

Design Considerations for a Retail CBDC

Sabrina Rochemont

25 years: Digital payments specialist

The intent of central banks is to have a new digital form of cash that can be used to the benefit of the public. A central bank digital currency (CBDC) would allow central banks to keep up with the digitisation of society. Whether CBDCs will be accepted by the public and become as valuable as cash is to daily lives is still under consideration. This video will outline the properties of cash and how CBDCs might stack up in comparison, alongside some of the design suggestions for how a CBDC might work in practice.

The intent of central banks is to have a new digital form of cash that can be used to the benefit of the public. A central bank digital currency (CBDC) would allow central banks to keep up with the digitisation of society. Whether CBDCs will be accepted by the public and become as valuable as cash is to daily lives is still under consideration. This video will outline the properties of cash and how CBDCs might stack up in comparison, alongside some of the design suggestions for how a CBDC might work in practice.

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Design Considerations for a Retail CBDC

18 mins 28 secs

Overview

In this video, Sabrina Rochement outlines how a central bank digital currency (CBDC) could be implemented and used by the public. Sabrina begins by comparing the properties of cash with the potential benefits of a CBDC. The potential contradictions that might arise from this form of digital currency are considered. For example, the privacy that cash affords may not be possible with a CBDC because all transactions are likely to be recorded digitally. Two forms of CBDC design are likely to prevail - a token-based CBDC and an account-based CBDC.

Key learning objectives:

  • Understand the properties of cash in comparison to potential CBDC properties

  • Identify the two different types of CBDC design and what they both mean for users

  • Recognise the implications of CBDCs being used in cross-border transactions

  • Understand the macroeconomic implications that the design of a CBDC may have

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Expert
Sabrina Rochemont

Sabrina Rochemont

Sabrina Rochemont is an experienced IT Service Management Professional. She has been researching the digitisation of payments and the possible evolution toward a cashless society for a working party. She is co-author of several papers on the topic of cashless societies including "A cashless Society - Benefits, risks and issues”, published in 2018 and “Understanding Central Bank Digital Currencies”, published in 2019. She’s also co-authored several other papers covering many aspects of the topic such as the environmental impact of payments.

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